Typical Orange County And Southern California Loan Modification Results And Frequently Asked Questions About California Loan Modifications…

OUR GOAL IS TO HELP YOU KEEP YOUR HOME IF THAT’S WHAT YOU WANT… OR SELL YOUR SOUTHERN CALIFORNIA HOUSE QUICKLY FOR FULL VALUE IF THAT’S WHAT YOU NEED!!!

Our California Loan Modification Results Are Exceptional!!

We are Orange County California Foreclosure Specialists in working with your lender, or lenders, to restructure your current loan(s) by providing you with a unique, professional foreclosure assistance plan that you and your lender can accept.

We fully understand that you have a serious problem and only a short time to overcome the real possibility of losing your property to foreclosure in California.

We represent a group of experienced Orange County California Real Estate and Financial Professionals who understand that federal rules and lender foreclosure policies in California often conflict. Few people outside the banking world have the knowledge to work with your current lender to restructure your loan in California.

We firmly believe that bankruptcy is your absolute LAST resort!

Typical Results Of Our Restructuring Plans Are As Follows:

1. CALIFORNIA LOAN MODIFICATION – 99% of all ‘A’ type lenders and 87% of sub-prime lenders will negotiate a loan modification where most of the delinquent payments and foreclosure fees are added on to the back end of the loan. Payments can remain approximately the same. In some cases the interest rate will be reduced permanently.

2. CALIFORNIA FORBEARANCE PROGRAMS – Typically 13% of sub-prime lenders will only be offered a workout program that requires you to immediately pay at least 20% or more of the total delinquencies including foreclosure fees, plus the balance of the delinquency will be added to their regular monthly payments over a period of six to forty-eight months. Forbearance plans do not remove a foreclosure action but simply stop it in place until the loan is current.

Southern California Homeowners that try to work directly with their lender have a failure rate of over 93%. Most attorneys don’t have a clue on how to deal with these hard-nosed, number crunching California lenders.

BUT DON’T DESPAIR BECAUSE WE HAVE GREAT NEWS – FHA AND VA LOANS CAN BE MODIFIED TOO!!

… HERE ARE SOME FREQUENTLY ASKED QUESTIONS…

CAN I DO THIS MYSELF?

Very small chance. Everything you say will be used against you. Only a qualified loan modification professional will know what to say and what not to say. Only a qualified professional knows the laws, your rights, and how to deal with the lender.

HOW LONG DOES THE PROCESS TAKE?

There is no exact answer, usually a couple of weeks. Government loans can take longer to work out. Fortunately, most lenders will take only a few weeks to approve a loan modification program once they have received a complete package. Many lenders will postpone the sale of your property in California if they have received a complete package if you are at least two to three weeks before the sale date.

What My 1st Mortgage Planner, Inc. will do for me?

We will evaluate and analyze your case and complete all necessary research. Upon completion of the research and analysis phase, we will offer you our opinion as to what we feel would be an appropriate outcome and / or resolution to your individual case. Although there is no guarantee of results, we are very experienced and will offer you the best chance to resolve your California Loan Modification or California Foreclosure dilemma.

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Click Here To Enroll In Our California Loan Modification Program

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